Powerful Benefits. Simple for You. Meaningful for Them

We make it easy to offer permanent life insurance and long-term care solutions that attract, protect, and retain top talent.

A BETTER WAY TO DELIVER BENEFITS THAT ACTUALLY MATTER

Simple for You. Better for Them.

Whether you’re a consultant looking to add value to your clients, or an employer looking to offer meaningful benefits, Cycle Benefits makes adding life/long-term care simple, easy and accessible.

The Benefits
Gap Is Real

Employees need protection-
but don't have access to it.

1

Most employees don’t have permanent life insurance or long-term care coverage and wouldn’t qualify easily on their own.

The need is massive.
The access is broken.

We Make
It Simple

A modern experience built for real employees.

2

We replace confusion with clarity-using text messaging, simple decision paths, and seamless enrollment tools that guide employees every step of the way.

No pressure. Just clarity.
Education first. Decisions second..

You Deliver
What Matters

Better benefits. Stronger teams. Zero added chaos.

3

Offer meaningful protection your employees actually value-without adding work, complexity, or disruption to your process.

Stand out without
adding workload.

Guaranteed issue. Rate locked at enrollment. Price never increases, benefit never decreases

Benefits That Work Better for Everyone.

We simplify life and long-term care benefits so HR leaders can deliver more value with less effort and employees can make confident decisions with clarity.

Modern. Mobile. Effortless.

We use text and mobile technology to educate and guide employees-meeting them where they are.

Education, Not Pressure.

We act as a financial steward, not a salesperson. Our goal is to inform, empower, and help employees choose what's right for them.

We Know Open Enrollment.

Our streamlined process eliminates the noise and makes adding valuable benefits off cycle, simple and stress free.

Built for HR. Designed for Less Work.

Our implementation is strategic, intentional, and hands-off-so you can enhance your benefits package without adding to your already full plate.

Better experience. Better decisions. Better outcomes. That’s the Cycle Benefits difference.

The Impact Your Benefits Should Deliver

Retention & Loyalty

Financial Wellness

Family Impact

Permanent Coverage

Long-Term Care Protection

Cash Value Accumulation

Guaranteed Issue

Group Pricing

Portability

Modern Technology

SIMPLE FOR YOU. MEANINGFUL FOR THEM.

Big Protection. Small Commitment.

A Decision They'll Thank You For.

Our Life and Long-Term Care plans are built on the Pay Yourself First Principle ™ – Helping employees protect their future for $1- $3 per day

Affordable for Every Budget

Powerful Protection That Lasts

Simple to Understand. Easy to Enroll.

Financial Peace of Mind for Life

TIER 1

$1

/day

$20,000

Life Insurance Coverage

TIER 2

$2

/day

$40,000

Life Insurance Coverage

TIER 3

$3

/day

$60,000

Life Insurance Coverage

No medical exams. No hassle. Just real protection that fits real life.

Employees love it. HR leaders trust it. Everyone wins.

WHO WE SERVE

Built for the advisor employers rely on

Cycle Benefits gives you a turnkey way to bring meaningful protection to the people you serve.

Employee Benefit Consultants

Help employers address a critical gap in financial wellness and retirement planning without disrupting existing benefit strategies, enrollment processes, or broker relationships.

Commercial P&C Consultants

Deepen client relationships by introducing a valuable financial wellness solution that helps protect employees and their families from the financial impact of long-term care

401(k) Advisors & Financial Planners

Help clients protect the retirement assets they’ve spent years building. Long-term care expenses can quickly erode retirement savings; Cycle Benefits provides a practical workplace solution to help address that risk.

Let's Make This Easy

Tell us a little about your team, and we’ll show you how simple it is to bring this to your employees without adding complexity to your process.

    Talk With Our Team

    Connect with a Cycle Benefits specialist to explore how this fits your clients or organization.

    Schedule a Walkthrough

    See exactly how our employee experience works from first message to enrollment.

    Ask a Question

    Have something specific in mind? We'll get you clear, straightforward answers-fast.

    We respect your privacy. Your information will never be shared.